| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBECCA F SMITH3 | 5040 SADLER PLACE SUITE 110 GLEN ALLEN, VA 23060 | AFLAC | $5K | $314 | $5K | 7.37% |
| JOLENE F PALMORE3 | 5040 SADLER PLACE SUITE 110 GELN ALLEN, VA 23060 | AFLAC | $2K | — | $2K | 3.10% |
| GENIA ANNE TENCH3 | 804 MOOREFIELD PARK DRIVE SUITE 205 RICHMOND, VA 23236 | AFLAC | $2K | $124 | $2K | 2.79% |
| RUEANN M EMERSON3 | 11551 NUCKOLS ROAD SUITE P GLEN ALLEN, VA 23059 | AFLAC | $955 | $124 | $1K | 1.51% |
| PHYLLIS DAWN HESLEP3 | 4805 LAKE BROOK DRIVE GLEN ALLEN, VA 23060 | AFLAC | $643 | — | $643 | 0.90% |
| TAMMY MARIE MINOR3 Filed as: TAMMY PARKS | 18039 JEFFERSON DAVIS HIGHWAY RUTHER GLEN, VA 22546 | AFLAC | $605 | — | $605 | 0.85% |
| JENNIFER TENCH3 Filed as: JENNIFER ERWIN | 1902 DORRELL ROAD AYLETT, VA 23009 | AFLAC | $396 | $115 | $511 | 0.72% |
| ELIZABETH ANNE BUCHANAN3 | 3401 HUNTON RIDGE DRIVE GLEN ALLEN, VA 23059 | AFLAC | $264 | $106 | $370 | 0.52% |
| JOEL WATERS3 | 3013 NORTH AVENUE APT A RICHMOND, VA 23222 | AFLAC | $328 | — | $328 | 0.46% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $309 | — | $309 | 0.43% |
| DAVID A EMERSON3 | 4820 LAKE BROOK DRIVE SUITE 125 GLEN ALLEN, VA 23060 | AFLAC | $203 | — | $203 | 0.28% |
| DAVID TYRONE MINOR3 | 5809 BELMONT ROAD RICHMOND, VA 23234 | AFLAC | $99 | — | $99 | 0.14% |
| JESSICA M GAINES3 | 4820 LAKE BROOK DRIVE SUITE 125 GLEN ALLEN, VA 23060 | AFLAC | $53 | — | $53 | 0.07% |
| DUANE A ADAMS3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $38 | — | $38 | 0.05% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DRIVE MAIDENS, VA 23012 | AFLAC | $19 | — | $19 | 0.03% |
| LANCE PITTMAN LLC3 Filed as: LANCE C PITTMAN | 125 LITTLE HAWK PLACE MIDLOTHIAN, VA 23114 | AFLAC | $17 | — | $17 | 0.02% |
| RICHARD L ATKINSON3 | 3151 FLOYD AVE RICHMOND, VA 23221 | AFLAC | $15 | — | $15 | 0.02% |
| MARK D LUTHER3 | 804 MOOREFIELD PARK DRIVE SUITE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $14 | — | $14 | 0.02% |
| TOM PUTNAM3 | 9045 STUMPY ROAD ASHLAND, VA 23005 | AFLAC | $13 | — | $13 | 0.02% |
| MEGAN HESLEP3 | 129 ROBIN GLEN DRIVE SHERWOOD, AR 72120 | AFLAC | $10 | — | $10 | 0.01% |
| RUSSELL TINNEY3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | AFLAC | $5 | — | $5 | 0.01% |
| BENJAMIN O THOMPSON SR3 | 2012 GAMELAW COURT MIDLOTHIAN, VA 23113 | AFLAC | $2 | — | $2 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC. | PO BOX 17380 RICHMOND, VA 23226 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $517 | $6K | 10.32% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 221 | $55K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 221 | $55K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 221 | $55K |
| Other(2 contracts, 2 carriers) | AFLAC | 221 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.